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2026 IRA limits are in - see how much more you can stash in traditional and Roth accounts

2026 IRA limits are up. Savers can now contribute $7,500 to traditional and Roth IRAs. Those 50 and older can add a catch-up $1,100, for a total of $8,600. Roth IRA contributions phase out above $153,000 for singles and $242,000 for joint filers. Traditional IRA deductions reduce at higher incomes if you have a workplace plan. Every extra dollar counts. Splitting contributions between Roth and traditional is allowed, but total limits apply. Maximize your savings now. Small increases today can grow into thousands by retirement.